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1st Credit Settlement Offer
I have a debt around 7 years old of £2600, originally with RBS, now with 1st Credit. I have just received a letter I can settle at 90% discount if I pay £260 within 7 days i.e. £260 - is this legit or is there a catch?
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Telogram tm
On Sarurday I received a letter from a company telling me that they had details of me living at my adress and that they were working for a company called capquest. I researched his company and discovered that they bought debts fromm Abbey National. I did have an Abbey account which I left owing £400 to. However this was !2…
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Please help - need to clear my debt
Have just read the posts on the thread about F&F settlements and I post a message on there, but felt I needed to make my plea for advise more public!!! I have copied the example letter onto my pc and will definitely be using it. Please may I ask a question... We have just sold our house due to hubby losing his job and us…
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all gone belly up!
after a series of misadventours my marks card has gone through the roof. need to get motivated!! i will end up paying my student loan back in june - any ideas how much the minimum repayments will be on £5000? i need to make a conscious effort to start paying more off the cards - next month the next card will be gone! so…
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Money gone from my account
Its a real shame I've only just found this site because earlier in the year £1800 went missing from my account. It was not all at once but in drips and drabs so we did not notice them. One of the last withdrawals was for £150 which caught my eye and when I asked my wife she said she did not withdraw it. Straight away we…
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Settled
I managed to settle my £17,000 credit card balance for £7,000 a couple of months ago. I thought I'd tell people about it as it might be interesting for people going through the process themselves. Started the process in May. It was an MBNA card that I took out in 2004. I stopped paying by direct debit as soon as I sent the…
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Welcome Finance Harrassment
I've got a loan with them that I stupidly took out at a rate of nearly 45%, my own fault I know. I've had this loan since May 2006 and have been paying it off at £155.82 per month. I've missed 3 payments which again is my own fault. I've paid this months payment on a debit card because I didn't have enough money in the…
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Interest on rent arrears?
Hi I recently moved out of a property (houseshare) and I owe the landlady one month's rent. I paid half of it last week and the other half will be paid at the end of December. She is now charging me 8% interest for the outstanding amount even though there was nothing mentioned in my tenancy agreement about charging…
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DMP & new available funds
I have had a DMP in place now for over 3 years & it ticks by OK. I have never missed any payments & always respond when the creditors ask for a review. In the DMP i have never made any allowance for Xmas or birthdays ( i have 3 kids), i just always hope a little extra turns up which it normally has. However this year it…
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SOA what do people think?
OK. Time to see if anyone has some advice on this: I get paid £202.37 a week after tax and NI. Per month this is what comes out as a minimum. Rent - £262.50 Council Tax - £54 Phone/Broadband - £10.50 Mobile - £23 Gas/Elec - £29 TV Licence - £5.93 Food - £50 Travel costs - £80 Vision Express - £14.95 HSBC Loan - £394 (49.25…
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Writing to creditors
Just going to write to creditors to offer token payments. Should I include the CCCS ref number on my letters (enabling each creditor to log in, and see my total debt on the CCCS website) or just include a budet statement?
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no reply from expirian credit check what next?
i have sent a template letter from this site to [FONT="]Experian [/FONT] with a cheque for £2, requesting my credit report 4 weeks ago, i have had no reply, they have not cashed the check,.I have sent another letter 2 weeks ago asking for an update. i have had no reply. where do i go from here?
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What can i do? Any advice welcome
Hi All The story so far...... I took out a finance agreement for a car in 1999. The car was repossessed around a year later. I had a ccj taken out against me in August 2002. (wasnt aware this has happened until this year when i had a copy of an inhibition notice posted through my door) however a default was registered on…
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Which should I pay off first?
I've recently come into a little bit of money and I want to use around £2000 to pay off some of the debts I have. But i'm having trouble figuring out which Debts I should pay off first. I currently have these in borrowings with the approximate balances: 1 Overdraft = £1000 2 Overdraft = £1960 1 Credit Card = £1300 2 Credit…
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FAO Bailiff specialists/legal eagles!
Hi all, I thought I would post this here as I suspect the bailiff specialists frequent this board more than any other. I am owed a lot of money (£700) by a sole trader and have obtained a CCJ against the person concerned. They have failed to pay or even acknowledge the court order, so I am planning on obtaining a warrant…
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Claiming a Refund from a DCA
Hi Some advice please! My mother took out a loan some 20 years ago, and when we got a statement, realised that with £3,500 outstanding, at current repayments we'd be in to 2016 before it was cleared. After I looked at the statement, and given the time involved, I requested a copy of the CCA from the DCA (Fredrikson's) as…
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where to turn next?
Hi everyone, first post so please be patient, iv been reading these boards for about four months now and honestly think i would have gone under without them. my current situation is as follows, im self employed and have made no profit since i started my business 2 1/2 years ago. in this time i have managed to run up £43000…
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Aktiv Kapital!?
Hello All, Earlier this year I had a lteer from Aktiv Kapital saying they owned a debt to barclaycard. I wrote them a letter asking to provide a signed credit agreement which they couldn't do and the debt dissapeard from my Experian account. I have just logged on today to find an entry by Akitv Kaptial for a debt which is…
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Credit rating/ score repair help needed
Hi, how’s it going? I have a question regarding Credit Rating/ Score repair that I would really appreciate your help with. Just over a year ago now I became disheartened and decided to leave my (£25k per annum) full time job in surveying to pursue a full time degree in my passion: Business management and Entrepreneurship.…
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In Credit With British Gas
Hi, It appears I am in credit with BG by about £200. Now would you...... (A) Ask for the money from BG and use it to pay off some of your credit card balance (B) Leave it where it is bearing in mind you are likely to use it over the winter period. Thanks